Josh Ashford Insurance
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Josh Ashford Insurance
Offering a full wall of protection for businesses through Commercial Insurance policies. Located in Flower Mound, with a strong presence in Lewisville, Denton, Fort Worth, Dallas, Frisco, Arlington and Irving. So you've made the investment into cryptocurrency. Congrats! Now the question is "how do you keep it safe?" Let's be honest, since it's a digital product it's almost impossible to keep it form getting hacked.

But there are something you can do to keep it away. The following is a true story. Everyone loves a good discount. There are some people that won't purchase anything unless there is a discount attached to what they are buying. It kind of makes sense. Who wants to pay more than they have to for anything? This story is. Josh started his insurance career immediately after attending the University of North Texas (Go Mean Green!).

His first office was in Flower Mound, Tx with Liberty Mutual Insurance. Liberty Mutual gave Josh the tools to learn the insurance industry. During his time w/ Liberty, Josh assisted customers with all of their personal insurance needs.
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Commercial building insurance covers a building in the event of a covered loss.
Depending on the coverages on the insurance policy those covered losses can include wind/hail, theft, frozen pipes and even vandalism.
Commercial building insurance can be selected on a replacement cost or actual cash value basis.
Ex: Tim owns a 4-story office building in Lewisville, Texas.
Tim leases out each floor to different businesses.
Tim wants to make sure the building is covered, by insurance, in case a tornado hits it or a pipe freezes and causes water damamge.
Everyone has seen the videos of someone walking into a business an "slipping" on a wet spot.
What if someone actually did slip and hurt themselves, you would want to make sure that insurance took care of that, right?
General Liability policies have several parts to them but the most talked about are the Products/Completed Operations and Premise Liability.
Products/Completed Operations covers the products that you make (ie a manufacturers chair) and the operations that you complete (ie a contractors handywork).
If you own any type of commercial building, you most likely have insurance on the building structure.
Regardless of if you are the building owner and occupying it or the building owner and leasing it out.
Most commercial building insurance policies cover property losses from fire, lightning, hail, explosions, hurricanes, theft, vandalism, and several other risks.
Things like earthquake, flood and wind in beach zones are usually excluded.
Coverage can usually be purchased for locations that are vulnerable to these types of risks.
There are two main reasons that a company would have a commercial vehicles insurance policy.
Either the business owns the vehicle or the business is working for/with someone that requires it to have business auto coverage.
Most business auto coverage policies offer the same types of coverage as a personal insurance policy like liability coverage, personal injury protection, uninsured motorist coverage, comprehensive and collision coverage, rental and towing.
But there are some additional options to look into such as hired/non-owned liability, additional insureds, waivers of subrogation and any auto coverage.
There is a lot happening that needs your attention during the day at your car wash.
The last thing that you need to worry about is if you are protected if something happens.
That something could be an employee driving a customer's car over to the detail station and they hit another car (seen it happen).
That something could also be a tornado making a b-line for your car wash building (seen it happen twice).
We know the coverage that you need and the questions to ask.
We understand how much new car wash tunnel equipment cost and can probably guess yours based on the length of your tunnel.
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